Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$4,226Cash toward the purchase price.
Closing costs + prepaids$11,822Not just lender fees.
Before credits & paid funds$16,048The complete starting cash picture.
Estimated remaining funds due at closing
$16,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,226.31
Your down payment$4,226.31
Closing costs + prepaids$11,821.90
Total buyer cash needed$16,048.20
Remaining funds due$16,048.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,978.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.25
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$75.79
Fees + prepaids$11,821.90
Your down payment is the seller’s equity. You take over the $395,773 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $16,048.20 is due at closing. Uses and sources reconcile at $411,820.90 each. Not a Closing Disclosure.